CompanyGraph
The Bank of N.T. Butterfield & Son Limited
NTB · NYSE Arca · Bermuda
butterfieldgroup.comFinancials as of FY2025
At a glance
- Depends onMidstream position: 6 outgoing, 6 incoming connections
- ScaleMarket cap is $2.32B, above the global median of $1.18B
- FinancialsHigh earnings quality
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Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
3.39%Below 5Y avg (4.93%)
Annual Rate
USD 2.00Paid quarterly
Payout Ratio
35.2%Sustainable
Paying Dividends
8 yr
Payback Period
29.4 yr
Last Ex-Dividend
Aug 12, 2026
Last Payment
Aug 26, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
2.32BUSDvs all stocks (USD)
Trailing P/E
10.38xRevenue (TTM)
625.16MUSDvs all stocks (USD)
Profit Margin
37.49%Beta
0.4930xvs all stocks
52-Week Change
37.41%vs all stocks
Forward Annual Dividend Yield
3.39%vs all stocks
Market Capitalization
2.32BUSDvs all stocks (USD)
Enterprise Value
-802.36MUSDvs all stocks (USD)
Trailing P/E
10.38xForward P/E
8.17xPEG Ratio
-1.48xPrice to Sales (TTM)
3.71xPrice to Book (MRQ)
2.02xEnterprise to Revenue
-1.28xProfit Margin
37.49%Operating Margin
32.12%Return on Assets (TTM)
1.64%Return on Equity (TTM)
21.14%Revenue (TTM)
625.16MUSDvs all stocks (USD)
Revenue per Share (TTM)
15.60USDUpdated Sep 28, 2026Quarterly Revenue Growth
8.20%Gross Profit (TTM)
625.16MUSDvs all stocks (USD)
EBITDA (TTM)
0.00USDvs all stocks (USD)
Net Income (TTM)
234.39MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
-12.00%Operating Cash Flow (TTM)
234.04MUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
231.94MUSDvs all stocks (USD)
Forward Annual Dividend Rate
2.00USDUpdated Sep 28, 2026Forward Annual Dividend Yield
3.39%vs all stocks
Trailing Annual Dividend Rate
2.00USDUpdated Sep 28, 2026Trailing Annual Dividend Yield
3.39%vs all stocks
5-Year Average Dividend Yield
4.93%vs all stocks
Payout Ratio
35.21%Revenue
606.81MUSDFY2025 · Dec 31, 2025Pre-tax Income
237.97MUSDFY2025 · Dec 31, 2025Income Tax Expense
6.02MUSDFY2025 · Dec 31, 2025Net Income
231.94MUSDFY2025 · Dec 31, 2025Selling, General & Administrative
192.34MUSDFY2025 · Dec 31, 2025EPS (Basic)
5.61USDFY2025 · Dec 31, 2025EPS (Diluted)
5.47USDFY2025 · Dec 31, 2025Basic Shares Outstanding
41.34MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
41.34MSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
231.94MUSDFY2025 · Dec 31, 2025Operating Cash Flow
279.50MUSDFY2025 · Dec 31, 2025Free Cash Flow
254.75MUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
1.78BUSDFY2025 · Dec 31, 2025Income Tax Paid
4.01MUSDFY2025 · Dec 31, 2025Interest Paid
203.16MUSDFY2025 · Dec 31, 2025Starting Profit (CF Statement)
231.94MUSDFY2025 · Dec 31, 2025Depreciation & Amortization
36.82MUSDFY2025 · Dec 31, 2025Stock-based Compensation
22.25MUSDFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
15.28MUSDFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-26.79MUSDFY2025 · Dec 31, 2025Capital Expenditures
-24.75MUSDFY2025 · Dec 31, 2025Net Intangibles (CF)
0.00USDFY2025 · Dec 31, 2025Purchase of Investments
-3.56BUSDFY2025 · Dec 31, 2025Sale of Investments
3.46BUSDFY2025 · Dec 31, 2025Net Investing Cash Flow
-124.60MUSDFY2025 · Dec 31, 2025Long-term Debt Payments
-100.00MUSDFY2025 · Dec 31, 2025Common Stock Repurchase
-146.69MUSDFY2025 · Dec 31, 2025Common Dividends Paid
-77.72MUSDFY2025 · Dec 31, 2025Net Financing Cash Flow
-324.41MUSDFY2025 · Dec 31, 2025Shares Outstanding
39.33MSharesUpdated Sep 28, 2026Float Shares
38.67MSharesUpdated Sep 28, 2026Shares Short
888.18KSharesUpdated Sep 28, 2026Short Ratio
5.32daysvs all stocks
Short % of Shares Outstanding
2.29%vs all stocks
% Held by Insiders
1.36%vs all stocks
% Held by Institutions
74.30%vs all stocks
Total Cash (MRQ)
3.16BUSDvs all stocks (USD)
Total Cash per Share (MRQ)
80.38USDUpdated Sep 28, 2026Total Debt (MRQ)
40.33MUSDvs all stocks (USD)
Total Debt to Equity (MRQ)
0.0004xBook Value per Share (MRQ)
29.21USDUpdated Sep 28, 2026Total Assets
14.09BUSDvs all stocks (USD)
Total Liabilities
12.95BUSDFY2025 · Dec 31, 2025Cash
105.44MUSDFY2025 · Dec 31, 2025Cash Equivalents
1.43BUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents
1.71BUSDFY2025 · Dec 31, 2025Other Short-term Investments
3.39BUSDFY2025 · Dec 31, 2025Common Stock (Book)
399.00KUSDFY2025 · Dec 31, 2025Retained Earnings
494.38MUSDFY2025 · Dec 31, 2025Total Shareholders' Equity
1.14BUSDvs all stocks (USD)
Treasury Stock
0.00USDFY2025 · Dec 31, 202552-Week Low
40.59USDUpdated Sep 28, 202652-Week High
64.17USDUpdated Sep 28, 202652-Week Change
37.41%vs all stocks
Beta
0.4930xvs all stocks
50-Day MA
60.49USDUpdated Sep 28, 2026200-Day MA
55.71USDUpdated Sep 28, 2026Avg 10-Day Volume
158.24KSharesUpdated Sep 28, 2026Avg 30-Day Volume
171.15KSharesUpdated Sep 28, 2026Diluted EPS (TTM)
5.68USDUpdated Sep 28, 2026Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Financial Health
High earnings qualityNotable
Earnings Quality Score: 0.80
Supply Chain
Midstream position: 6 outgoing, 6 incoming connectionsNotable
Outgoing: 6.00Incoming: 6.00
High connectivity hub: 12 industry connectionsNotable
Total Connections: 12.00
Scale
Market cap is $2.32B, above the global median of $1.18BNotable
Market cap (USD): 2,318,308,198Global Median: 1,180,223,658.953
Revenue is $625.16M, above the global median of $548.88MNotable
Revenue (USD): 625,164,032Global Median: 548,883,780.48
Levered free cash flow is $231.94M, above the global median of $18.73MNotable
Levered free cash flow (USD): 231,942,000Global Median: 18,729,043.027
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